California Auto Insurance Coverage Questions

Why do I need auto insurance?

This is one of the more common California auto insurance coverage questions. You are obliged to purchase insurance because it is a mandatory requirement in the state of California.

How much insurance do I need?

You must purchase 15/30/5 auto insurance as an absolute minimum. This means you will need $15,000 worth of personal injury liability, $30,000 worth of bodily injury liability per accident and an additional $5,000 worth of property damage liability.

One of the California auto insurance coverage questions I have relates to prices. How are premiums determined?

When you apply for quotes, you will be priced on a factor of risk. The greater the likelihood of being involved in an accident, the more expensive your quotes will be. All policies are underwritten on risk so it pays to build a safe driving history to bring down your long-term rates.

How can I build a safe driving history?

Adopt a safe outlook to driving by using your vehicle defensively. Drive steadily, avoid violations and don’t make unnecessary claims on your policy. Taking an advanced driving course will also enhance your chances of finding cheap auto insurance.

Where can I buy Insurance?

Again, this is one of the most regularly asked California auto insurance coverage questions. Price comparison websites are the most popular recourses for purchasing policies but not all of them are the same. Promiga Auto Insurance Quotes works on a commission-free basis using ‘A’ rated providers and is one of the best price comparison websites of all.